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    • blackfish
    • By blackfish 2nd Apr 16, 10:30 AM
    • 11Posts
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    blackfish
    Unexpected request to confirm tax residency - Halifax
    • #1
    • 2nd Apr 16, 10:30 AM
    Unexpected request to confirm tax residency - Halifax 2nd Apr 16 at 10:30 AM
    I have received a letter from Halifax: "Confirm where you are resident for tax purposes" plus a form to fill in and return: "Tax residency self-certification for individuals and sole traders".

    Letter purports to be from Halifax PO Box 548 Leeds LS1 1WU.

    The gist of the letter/form is that I need to tell them my "Country [or countries] of Residence for Tax Purposes" since 01-July-2014 (apparently some law of disclosure came into force then) so that they can share information between countries such that correct taxes are paid.

    Requested information is name, adresss, DOB, "TIN" (it says that means NI number for UK citizens) and countries of residence with from/to dates.

    They have not cited any of my (several) account numbers so I don't know which account(s) have triggered this [if it is genuine of course].

    Envelope for return of form is addressed to Tax Compliance Service Centre, PO Box 7082, Willenhall, WV1 9AD. It has a Business Reply Plus Licence Number RTTK-HSUA-XEAR


    Thing is, while I do have have current and savings accounts with Halifax and did open a new on-line savings account with them about a year ago (significant amount - pension lump-sum) there is nothing to suggest that I am other than life-long UK citizen (born here as were my parents and all of my grandparents) or that I have invested the money overseas.

    The letter says if I don't reply by 17-May-2016 they may need to pass my details to the appropriate tax authorities. There's a phone number 0345 850 9064 but I don't know whether that's genuine (can't see it on the Halifax website page for contacts).


    Any ideas what this is about? Suppose I need to go into a branch (and be told: "Yes, you just need to fill it in and post it") but thought I'd post here first to see whether I'm alone in this.
Page 13
    • EdSwippet
    • By EdSwippet 16th Sep 17, 7:06 PM
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    • 700 Thanks
    EdSwippet
    A US citizen is always a US resident for US tax purposes. Residence has very specific meaning for tax purposes. A 4 year old born in the UK who has never visited the USA could still be US tax resident.
    Originally posted by Cook_County
    Please explain how.
    Originally posted by Pollycat
    Outlined in the Wiki page on 'Accidental Americans'. US tax law is 'extraterritorial' and does not conform to international norms.

    One predictable consequence of this nonsense is that US citizens living outside the US are regularly "neglecting" to formally register children born outside the US -- and who qualify for US citizenship -- with the US consulate.

    Registering a US citizen child with the consulate can be done later as an afterthought. If useful or needed, and providing that enough paperwork is available, that is. But once done it cannot easily be undone. (The only way to undo it is 'renunciation', and that won't be possible until the child reaches the age of 16 to 18 or so. It cannot be done by a parent or guardian, only the person themselves. It is also costly, currently $2,350 per person.)

    Conversely, holding US citizenship while living permanently in another country is usually a millstone rather than a benefit. By not registering birth abroad with the US consulate, any problems for the child from an unwanted US citizenship taint can either be avoided entirely. Or at minimum postponed for years or perhaps decades, until the child is old enough to decide for himself or herself whether or not holding US citizenship is worth the aggravations.
    Last edited by EdSwippet; 16-09-2017 at 10:51 PM. Reason: Clarity, completeness.
    • PAUL7331
    • By PAUL7331 25th Sep 17, 6:04 PM
    • 283 Posts
    • 51 Thanks
    PAUL7331
    I too have just had this letter. So to confirm, can you just log in to halifax online banking and confirm you are a UK resident on there and that's it, job done?
    • Dunbar63
    • By Dunbar63 31st Oct 17, 4:02 PM
    • 1 Posts
    • 0 Thanks
    Dunbar63
    Is it only related to the US?
    I have received the same letter from Natwest and have no connection to the USA. I have connections to Ireland though.


    Do we need to reply?
    • Cook_County
    • By Cook_County 31st Oct 17, 5:36 PM
    • 2,926 Posts
    • 2,075 Thanks
    Cook_County
    I have received the same letter from Natwest and have no connection to the USA. I have connections to Ireland though.


    Do we need to reply?
    Originally posted by Dunbar63
    No. There is no legal obligation.
    • badmemory
    • By badmemory 1st Nov 17, 3:28 AM
    • 1,771 Posts
    • 2,405 Thanks
    badmemory
    I have received the same letter from Natwest and have no connection to the USA. I have connections to Ireland though.


    Do we need to reply?
    Originally posted by Dunbar63
    Please read the letter carefully as some say that they will close the account if you fail to comply!
    • naav
    • By naav 30th Nov 17, 2:19 AM
    • 56 Posts
    • 7 Thanks
    naav
    Hi everyone

    I got a letter from the Lloyds group of banks asking me for my tax residency.

    I've filled it out, and sent it via a local branch.

    I also went online, and selected my tax residency to be UK (it was blank). I was born in the UK, and have always payed tax here via my NI Number.

    1. I didn't notice the online bank website to have a place to put in my NI number. Is there a place for that?

    2. From people's previous experience, will the bank be back in touch?

    3. Do they contact customers on a yearly basis to again ask for the same information?

    4. The letter indicates that if I hadn't completed the above, they would be contacting HMRC. Now that I have provided the info, will they still be contacting them (e.g. on a yearly basis)?

    • badmemory
    • By badmemory 30th Nov 17, 4:11 PM
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    badmemory
    What they don't tell you is that they contact HMRC regularly (annually) & give them bank account info - a bit like a P60 from your employer but giving how much interest etc you have earned. The difference is that the info they give will say they do or don't know where you are tax resident. They are using it as a threat to make you comply. If you have an ISA the bank does have your NI number.

    Is the letter looking any less like a scam? Good idea to take it into the bank. Did the bank know anything about it? Mine was so long ago now that the bank had no idea what it was about (back in March 16).
    • naav
    • By naav 30th Nov 17, 8:10 PM
    • 56 Posts
    • 7 Thanks
    naav
    Thank you

    What they don't tell you is that they contact HMRC regularly (annually) & give them bank account info - a bit like a P60 from your employer but giving how much interest etc you have earned. The difference is that the info they give will say they do or don't know where you are tax resident. They are using it as a threat to make you comply.
    Will they still be contacting HMRC even though I have completed the forms, and sent them off via the branch? I have also went online into my account and populated my Tax Residency as UK.

    Is the letter looking any less like a scam?
    Yes, the letter didn't look fraudulent at all. I called some branches, and Telephone banking; took it into a local branch; and they asked me to fill it in. They told me it'll be sent off.

    I also went online into my account, and selected UK for my Tax Residency.

    Did the bank know anything about it?
    Yes, Telephone Banking, and the local branches were aware of this letter going out to customers.

    I just wasn't sure of people's experience as per 1-4 in my post above.
    Last edited by naav; 30-11-2017 at 9:24 PM.
    • badmemory
    • By badmemory 30th Nov 17, 9:27 PM
    • 1,771 Posts
    • 2,405 Thanks
    badmemory
    Yes banks are obliged to tell HMRC of any interest paid on your accounts, in the same way as employers are obliged to notify HMRC how much they have paid you & how much tax & NI they have deducted.
    • Tommygunn
    • By Tommygunn 13th Dec 17, 9:18 AM
    • 79 Posts
    • 40 Thanks
    Tommygunn
    Can someone confirm that I'm ok, as a British citizen living in Italy and paying tax in Italy, to just update my sleepy Halifax account with my Italian residency and tax number(TIN) and not bother sending the documents back?

    I've tried calling the number but no one answers after I go through the automated hoops.

    Will they check the update on my account and leave me alone?

    Cheers,
    Tom.
    • badmemory
    • By badmemory 13th Dec 17, 1:50 PM
    • 1,771 Posts
    • 2,405 Thanks
    badmemory
    I don't know for sure but have you looked at post 214 in this thread which certainly implies that it should work.
    • cathma
    • By cathma 19th Dec 17, 9:03 AM
    • 1 Posts
    • 0 Thanks
    cathma
    has someone managed to update his or her tax residency details on the Natwest Online Banking Service or with the online chat service ?
    Also, Natwest asks to send a copy of a valid passport issued by the jurisdiction in which the account holder claims to be a resident. How is that possible for nationals being tax residents outside of their home country ? Thanks a lot for anyone's advice on this.
    • Tommygunn
    • By Tommygunn 19th Dec 17, 9:16 AM
    • 79 Posts
    • 40 Thanks
    Tommygunn
    I don't know for sure but have you looked at post 214 in this thread which certainly implies that it should work.
    Yes, I saw that and that is what got me curious. I've updated my account so I'll ride it out and see what happens beyond the 3/1/18, which is the cut-off date on the letter.

    Tom.
    • Banger696
    • By Banger696 27th Dec 17, 1:31 AM
    • 36 Posts
    • 1 Thanks
    Banger696
    After spending most of the night reading this thread I got a letter from Hodges bank in Cardiff, recommended by MSE on the savings account page. This thread has been very informative and I think I will email the form as a pdf as I don't trust the post although email is probably not as safe.
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